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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,130 | $83,369-66.3% | $105,223-73.3% | $67,986-58.6% |
| Participation rate | 99.1% | 56.3%+42.8pp | 75.0%+24.0pp | 57.2%+41.9pp |
| Annual return | 13.32% | 24.64%-11.3pp | 180.65%-167.3pp | 31.67%-18.3pp |
| Employer contribution / active EE | $1,986 | $2,541-21.8% | $3,689-46.1% | $2,019-1.6% |
| Participant deferral / active EE | $5,240 | $3,295+59.0% | $5,072+3.3% | $3,358+56.1% |
| Admin fee / account holder | $937 | $4,073-77.0% | $8,859-89.4% | $3,203-70.8% |